RateDex

Presented by the National Association of Federally-Insured Credit Unions (NAFCU) in cooperation with S&P Global Market Intelligence and DatatracRates based upon a survey of 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.110.250.010.270.700.1015
6 Mo CD - $10k0.140.300.010.400.900.1526
1 Yr CD - $10k0.250.550.050.661.150.2042
18 Mo CD - $10k0.260.550.050.951.340.6569
2 Yr CD - $10k0.410.750.151.201.600.8079
30 Mo CD - $10k0.310.750.151.221.350.9091
3 Yr CD - $10k0.560.950.201.451.861.0589
4 Yr CD - $10k0.601.060.201.732.121.36112
5 Yr CD - $10k0.801.260.251.952.381.66115
1 Mo CD - $100k0.130.200.100.170.200.154
2 Mo CD - $100k0.140.200.100.180.200.154
3 Mo CD - $100k0.150.350.010.230.300.158
6 Mo CD - $100k0.170.400.010.380.450.3020
1 Yr CD - $100k0.270.650.050.660.800.5039
2 Yr CD - $100k0.450.850.161.151.400.8071
3 Yr CD - $100k0.601.050.201.391.751.0579
Interest Checking - $5k0.050.150.010.090.250.053
Liquid IRA Account0.090.140.030.281.000.1019
Money Market - $2.5k0.060.100.010.140.250.108
Money Market - $10k0.060.100.010.210.500.1115
Money Market - $25k0.080.150.010.260.600.1517
Money Market - $50k0.090.150.010.320.750.2123
Money Market - $100k0.090.150.010.340.750.2125
Money Market - $250k0.100.200.010.340.750.2124
Regular Savings - $1k0.060.100.010.140.500.058
New Car - 36 Mo3.233.692.882.533.151.70-70
New Car - 48 Mo3.253.792.882.553.151.70-70
New Car - 60 Mo3.263.892.882.563.151.70-70
New Car - 72 Mo3.304.142.882.693.351.70-62
Used Car - 36 Mo3.564.722.942.533.151.70-103
Used Car - 48 Mo3.584.722.942.553.151.70-103
Used Car - 60 Mo3.724.672.992.603.351.70-113
Used Car - 72 Mo3.714.652.992.593.151.70-112
New Boat - 60 Mo6.1210.604.494.876.253.89-125
Rewards Credit Card14.2217.9012.499.7010.508.90-452
Credit Card Platinum11.9715.9010.499.629.999.25-235
Credit Card Classic13.9013.9013.9012.2113.759.90-169
Home Equity - LOC5.607.754.004.545.004.00-106
Home Equity - 5 Yr6.206.845.756.477.504.9427
Home Equity - 10 Yr6.557.106.006.337.505.01-22
Home Equity - 15 Yr7.437.437.436.247.255.26-119
15 Yr Fixed3.6823.7503.3753.5063.7502.875-18
20 Yr Fixed4.1924.2504.0004.0144.1253.500-18
30 Yr Fixed4.3404.3754.2504.1544.5003.625-19
1 Yr ARM3.6933.6253.625 
3/1 ARM3.6613.7503.3753.1913.1253.125-47
5/1 ARM3.6173.8753.0003.9425.5003.00032
7/1 ARM3.9364.5003.1254.3675.5003.62543
New RV - 60 Mo6.1910.603.994.736.253.14-146
Unsecured - 36 Mo9.5210.058.9911.2814.957.40176
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* Represents the difference in the average rate between banks and credit unions.